Merchants use batch payment processing to submit multiple transactions at once, rather than in real-time as the payment details come in, generally to reduce fees and...

When planning to accept payments, integrating and going live quickly can ensure a smooth and swift road to generating revenue. Hosted payment pages can offer merchan...

Today’s economy is increasingly driven by complex purchases: beyond the exchange of cash for an item in a retail store, we have become accustomed to making digital o...

E-commerce, by its very nature, is international, which opens the door for a global customer base. Opting to accept global payments can ensure that merchants can off...

In the world of payments, selecting partners to help transact business is one of the most complex, but critical, processes any business can complete. Choosing the ri...

Total processing volume (also known as total payment volume, or TPV) is the sum of all payments passed through a specific payment processor over a given period of ti...

As businesses grow, the complexities of keeping up with the money that flows in and out of their accounts start to pile up. The solution is to optimize payment opera...

Online dating and related services are booming globally, with demand increasing at a rapid pace. The market for online dating and apps was valued at $7.94 billion in...

According to the industry group PYMNTS, failed payments cost subscription merchants as much as 9% - 11% of their revenue. While some of that revenue loss represents ...

Companies that fall under the MCC category of “digital games” include the merchants that sell and distribute digital games or game-related products. More specificall...

A token requestor ID (TRID) is a unique identifier that allows merchants to request network tokens from token providers and is a prerequisite for enabling network to...

Negative option merchants are merchants that offer an enticing option for customers, like a free trial, that requires a credit card to sign up. The customer, in turn...

Like so many full-service payment providers, Stripe offers an apparently very simple proposition: run all your payment transactions through their system and pay a si...

Triangulation fraud is a complicated fraud scheme that occurs, predominantly in ecommerce, between three parties: an unsuspecting customer, a fraudulent seller, and ...

Merchants that want to integrate payments directly into their website or application have several options for doing so, but will often eventually look to iframe (inl...

Tokens: What is a Token Vault? A token is a non-exploitable identifier that references sensitive data. Tokens can take any shape, are safe to expose, and are easy to...

Payments become delinquent when they are not made according to a pre-agreed schedule. Almost by definition, then, they are almost always associated with recurring pa...

What is Payments Vaulting? Merchants are said to be ‘vaulting payments’ when they contract with a partner, which stores sensitive cardholder data securely and provid...

The terms “payment tokens” and “network tokens” can be found trending as far back as early 2004, but conversation around them has become inescapable in the last few ...

What is a Universal Payment Vault? A payment vault is a storage facility where merchants securely manage customer payment details, and transmit them to payment partn...

Estimates suggest that somewhere between 36% and 50% of all transactions worldwide are now completed digitally. While this may not come as a surprise to many, what m...

Merchants strive to have a seamlessly integrated payment flow for customers. From the outside looking in, many may assume that this is achievable through a light and...

Frictionless payments offer the least amount of effort to get a transaction closed. There is no universally accepted definition of a frictionless payment, it is more...

Why Does 3D-Secure Matter? 3D Secure (3DS) provides an additional layer of security for online transactions, adding an identity confirmation partner to the standard ...

3D Secure (3DS) is an extra layer of protection for consumers when paying by credit card online. The “3D” stands for “3 domains”, because this extra step involves ad...

Merchants, especially online, have no choice but to contract with at least one payment service provider (PSP) to ensure they can execute transactions with credit car...

In any subscription business, there is inevitably churn - subscribers who end their contract and move on. There is, however, a difference between those who choose to...

In the first four posts of this five-part series, we covered the rules of payment processing for high risk merchants, what causes processors to shut down merchants, ...

Sophisticated high-risk merchants understand that de-risking their payments operations can truly be a game changer for their business. They see that not only is it i...

As a high-risk merchant, you know that hedging your risks can make it easier for your business to remain operational. One important way to achieve this when using a ...

Why it’s Crucial to Constantly Improve Payments Performance For any business, revenue growth is key to continued development and opportunity. And revenue growth can ...

Operating as a high-risk merchant, one of the most feared experiences is getting shut down. Even the looming threat of this happening is enough to keep many merchant...

This is blog post one of a five-part series on the ins and outs of high-risk merchants and high-risk payment processing.

How Credit and Debit Cards Compare The fundamental difference between a credit and debit card is whose money is being used in the transaction: with a credit card, th...

The Basis Theory team joined a webinar hosted by the Merchant Risk Council (MRC) on November 1 titled “AI Solutions to Simplify Payment Management and Compliance”.

What many people miss about the payment process is that there are actually a series of steps - it’s not a one-stop shop! Merchants generally will run some amount of ...

Gift card authorization rates are estimated to be 5-10% lower than standard credit card authorization rates. While this can be frustrating for merchants and customer...

A card issuing platform enables businesses within and beyond the financial industry to easily provide branded debit and credit cards to their customers. Despite the ...

An issuer processor manages key payment transaction activities for issuing entities: issuing cards, authorizing and settling transactions, and acting as a system of ...

As magical as the payment process can seem when everything is going according to plan - your buyer simply types in their details, money is transferred, and you’re in...

We are thrilled to announce an enhancement to our tokenization platform: BIN Details! The BIN, or Bank Identification Number, allows access to details, a powerful to...

A risk assessment is a dedicated process evaluating the likelihood of a damaging event happening. In the medical environment, it is a statistical calculation of the ...

A one-time-use card, also known as a privacy card, is a virtual credit or debit card number that can be used once for a single purchase. Once this purchase is comple...

In the payments business, a chargeback is the reversal of a charge initiated by the issuing bank rather than the merchant, generally in response to a consumer compla...

Why does Payment Efficiency Matter? Processing payments is a multi-partner, multi-step endeavor, and each partner expects to be compensated for their trouble. From t...

Payment processing describes the series of steps that take place allowing one party to deliver money to another in return for goods and services, normally via a cred...

The annual Global Payments and Fraud report produced by the Merchant Risk Council, Cybersource, and Verifi surveyed 1,072 merchants who identified as being involved ...

Despite its name, the Merchant Discount Rate (MDR) defines not a discount offered to merchants, but a fee paid by the merchant to its payment processing service. On ...

Tokenization is a process by which sensitive data is exchanged for a unique, but completely different, identifier. The sensitive data can be securely stored, and the...

Payment Gateway Providers: An Overview A payment gateway is a specialized payment processor that serves the unique needs of a specific merchant vertical group. Payme...